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Flood insurance cost · St. John the Baptist Parish, LA

Flood insurance cost in St. John the Baptist Parish, Louisiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,399 home policies in force on August 31, 2026.

St. John the Baptist Parish, LouisianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,372a year

Half of insured homes paid between $1,163 and $1,899. That is 23% more than the Louisiana median ($1,119). Most insured homes here are rated in zone AE (54%).

$0$1,163 · $1,372 · $1,899$2,374
+14.9% vs Aug 31, 2025 (median $1,194)
5,399home policies in force
$1,568average cost (mean)
55%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in St. John the Baptist Parish

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,923$1,351–$2,426$2,03125 (0%)+2.5%
Zone AE
High risk		$1,820$1,509–$2,194$1,8942,934 (54%)+7.3%
Zone X
Moderate to low risk		$1,191$1,062–$1,265$1,1702,435 (45%)+13.3%

Not shown (fewer than 10 home policies): A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in St. John the Baptist Parish, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,275$1,386$1,576
2–4 unit building82$1,310$1,441
Manufactured (mobile) home15$1,077$1,244
Condo or apartment unit27$496$514
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		21$1,237$1,611
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		292$2,892$3,624
5,712NFIP policies in force, any building
5,745insured units (condo association policies count every unit)
89%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: St. John the Baptist Parish

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force5,7145,399−5.5%
Median annual cost$1,194$1,372+14.9%
Average annual cost$1,442$1,568+8.7%
All policies in force (any building)6,0425,712−5.5%

How many homes have flood insurance?

34.2%of all homes in St. John the Baptist Parish have an NFIP policy
79.8%of homes in high-risk zones (special flood hazard area) have one
15,943residential buildings counted by FEMA
3,747of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in St. John the Baptist Parish, Louisiana have filed 8,980 flood claims. 7,569 received a payment, for a total of $655.5 million (an average of $86,604 per paid claim). The year with the most claims was 2021 (3,654 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1980: 13 claims19801983: 19 claims, 14 paid, $99,450 in total1985: 53 claims, 47 paid, $557,574 in total1988: 23 claims, 17 paid, $68,618 in total19901991: 41 claims, 30 paid, $229,362 in total1995: 93 claims, 77 paid, $994,622 in total1997: 10 claims1998: 49 claims, 41 paid, $186,285 in total20002001: 77 claims, 59 paid, $330,150 in total2002: 123 claims, 76 paid, $361,279 in total2004: 16 claims, 10 paid, $55,732 in total2005: 751 claims, 260 paid, $4,014,796 in total20052007: 10 claims2008: 148 claims, 94 paid, $1,384,361 in total2009: 33 claims, 26 paid, $235,054 in total20102011: 14 claims2012: 3,385 claims, 3,163 paid, $256,127,373 in total20122014: 13 claims2015: 11 claims2016: 15 claims2017: 23 claims, 13 paid, $338,141 in total2018: 12 claims2019: 10 claims2020: 43 claims, 34 paid, $1,588,300 in total20202021: 3,654 claims, 3,295 paid, $376,544,100 in total20212022: 16 claims2024: 226 claims, 195 paid, $10,896,558 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024226195$10,896,558$55,880
202216<10––
20213,6543,295$376,544,100$114,277
20204334$1,588,300$46,715
201910<10––
201812<10––
20172313$338,141$26,011
201615<10––
201511<10––
201413<10––
20123,3853,163$256,127,373$80,976
201114<10––
20093326$235,054$9,041
200814894$1,384,361$14,727
200710<10––
2005751260$4,014,796$15,442
20041610$55,732$5,573
200212376$361,279$4,754
20017759$330,150$5,596
19984941$186,285$4,544
199710<10––
19959377$994,622$12,917
19914130$229,362$7,645
19882317$68,618$4,036
19855347$557,574$11,863
19831914$99,450$7,104
198013<10––

From 2016 to 2026: 3,999 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in St. John the Baptist Parish

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated St. John the Baptist Parish (5,396 home policies)